Midlothian, IL
How exposed is Midlothian to wildfire?
Midlothian sits at the 53rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 6,726 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Midlothian's burn probability — fire likelihood with no building count factored in — sits at the 55th percentile nationally.
What "at risk" means for the buildings here
Midlothian rates 99.1% Minimal exposure against just 0.9% Direct and 0% Indirect — of 6,726 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 6,726 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Midlothian ranks
Midlothian's 99th-percentile standing inside Illinois outpaces its 53rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Midlothian ranks 14,836 for wildfire risk (1 is highest) and 2,574 by building count (1 is largest). Within Illinois alone, it ranks 12 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Midlothian and the insurance market
Midlothian's elevated wildfire rating (53rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Midlothian
Even with 99.1% of Midlothian outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Midlothian's figures come from
Every one of the two percentiles behind Midlothian's 14,836-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Midlothian's dominant minimal exposure actually means, with real examples from across the dataset.